Combined
Life and Critical illness protection
Reasons to recommend
- Crystal clear definitions
- Covers kept separate with our dual life approach
- All-round affordable cover
- Premium Waiver included as standard
- Immediate Cover
- Optional children’s critical illness cover
- Cover upgrade promise
- Lifestyle promise
- HALO claims service
- Guardian Anytime
COMBINED LIFE AND CRITICAL ILLNESS PROTECTION LIMITS
5 to 52 years
18 to 64
70
£3 million
NON-MEDICAL LIMITS
| REQUIREMENT LEVELS | Up to age 40 | Age 41-50 | Age 51-60 | Age 61-64 |
|---|---|---|---|---|
| Nil | Up to £500,000 |
Up to £300,000 |
Up to £150,000 |
Up to £75,000 |
| Level A | £500,001 - £750,000 |
£300,001 - £500,000 |
Not applicable |
Not applicable |
| Level B | Not applicable |
Not applicable |
£150,001 - £250,000 |
£75,001 - £150,000 |
| Level C | £750,001 - £3,000,000 |
£500,001 - £2,000,000 |
Not applicable |
Not applicable |
| Level D | Not applicable |
Not applicable |
£250,001 - £750,000 |
£150,001 - £500,000 |
| Level E | Not applicable |
Not applicable |
£750,001 - £1,000,000 |
Not applicable |
| Level F | Not applicable |
£2,000,001 or more |
£1,000,001 or more |
£500,001 or more |
REQUIREMENT LEVELS
| Nil | Up to £500,000 |
|---|---|
| Level A | £500,001 - £750,000 |
| Level B | Not applicable |
| Level C | £750,001 - £3,000,000 |
| Level D | Not applicable |
| Level E | Not applicable |
| Level F | Not applicable |
| Nil | Up to £300,000 |
|---|---|
| Level A | £300,001 - £500,000 |
| Level B | Not applicable |
| Level C | £500,001 - £2,000,000 |
| Level D | Not applicable |
| Level E | Not applicable |
| Level F | £2,000,001 or more |
| Nil | Up to £150,000 |
|---|---|
| Level A | Not applicable |
| Level B | £150,001 - £250,000 |
| Level C | Not applicable |
| Level D | £250,001 - £750,000 |
| Level E | £750,001 - £1,000,000 |
| Level F | £1,000,001 or more |
| Nil | Up to £75,000 |
|---|---|
| Level A | Not applicable |
| Level B | £75,001 - £150,000 |
| Level C | Not applicable |
| Level D | £150,001 - £500,000 |
| Level E | Not applicable |
| Level F | £500,001 or more |
MEDICAL UNDERWRITING LIMITS
| Level A | Nurse screening + finger prick blood test or traditional blood draw to include glucose and total cholesterol |
|---|---|
| Level B | Nurse screening + blood test 2 |
| Level C | Nurse screening + blood test 1 + general practitioner's report |
| Level D | Nurse screening + blood test 2 + general practitioner’s report + NT-Pro BNP blood test |
| Level E | Medical examination report + blood test 2 + general practitioner’s report + NT-Pro BNP blood test |
| Level F | Medical examination report + blood test 2 + HIV + PSA (for males) + general practitioner’s report + exercising ECG (also NT-Pro BNP blood test for age 51 and above) |
- Cotinine tests included with all nurse screenings and medical examinations for non-smokers
- Blood test 1 – Biochemistry & HbA1c
- Blood test 2 – Biochemistry, haematology & HbA1c
FINANCIAL EVIDENCE LIMITS
| Evidence required | LIMIT |
|---|---|
| None | Up to £500,000 (or up to £800,000 if mortgage related)* |
| Financial questionnaire | £500,001 - £1,500,000 |
| Independent third party | More than £1,500,000 |
Evidence required
| None | Up to £500,000 (or up to £800,000 if mortgage related)* |
|---|---|
| Financial questionnaire | £500,001 - £1,500,000 |
| Independent third party | More than £1,500,000 |
*subject to the total amount of critical illness cover in the market not exceeding £1,000,000
Smoking categories
A smoker is someone who has used a tobacco product or nicotine replacement product such as e-cigarettes.
We have 3 categories for smoking-related premiums:
- Current user
- No usage in the last 12 months
- No usage in the last 5 years
If your client was a smoker and stops smoking or using tobacco or replacement products for a period of 12 months, we’ll reassess their cover and may be able to reduce their premium accordingly. We’ll also reassess their cover after they’ve stopped for 5 years and may be able to reduce their premium further if you contact us to confirm.
BODY MASS INDEX (BMI) LIMITS
The tables below show the premium rating we’ll apply to your clients Combined Life and Critical Illness Protection policy for their BMI.
These are just the ratings for BMI, and other factors are taken into account when underwriting for build. For example, pregnancy, body shape or unexplained weight loss. Our underwriters may ask for further information in those situations which might lead to a different decision. If you’d like more information before you submit an application, call us on 0808 133 1821.
| BMI minimumBMI min | BMI maximumBMI max | Expected |
|---|---|---|
| up to | 16.999 | Decline |
| 17 | 17.999 | 40% rating |
| 18 | 29.999 | Standard |
| 30 | 30.999 | 20% rating |
| 31 | 32.999 | 45% rating |
| 33 | 34.999 | 70% rating |
| 35 | 36.999 | 95% rating |
| 37 | 37.999 | 120% rating |
| 38 | 53.999 | Decline |
| BMI minimumBMI min | BMI maximumBMI max | Expected |
|---|---|---|
| up to | 16.999 | Decline |
| 17 | 17.999 | 50% rating |
| 18 | 29.999 | Standard |
| 30 | 31.999 | 20% rating |
| 32 | 33.999 | 45% rating |
| 34 | 35.999 | 70% rating |
| 36 | 36.999 | 90% rating |
| 37 | 37.999 | 95% rating |
| 38 | 54.999 | Decline |
| BMI minimumBMI min | BMI maximumBMI max | Expected |
|---|---|---|
| up to | 16.999 | Decline |
| 17 | 17.999 | 50% rating |
| 18 | 31.999 | Standard |
| 32 | 33.999 | 20% rating |
| 34 | 34.999 | 45% rating |
| 35 | 36.999 | 65% rating |
| 37 | 37.999 | 90% rating |
| 38 | 38.999 | 110% rating |
| 39 | 54.999 | Decline |